• Convergence Security Journal
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• v.15 no.4
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• pp.73-82
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• 2015

Thanks to popularization of smart phone, mobile payment market is growing rapidly. As the obligatory use of digital certificate is abolished, easy-to-use payment that can settle with only password is being launched one after another. But its spreading speed is not fast highly. Because of concern about personal information leakage and security, unchangeability of payment habit, insufficiency of consumer protection, inadequacy of payment infrastructure and all sorts of regulations, easy-to-use payment is not activated. Recently global IT companys are entering mobile payment market competitively. It is because the sense of crisis that their survival can be dangerous from now on if they get left behind Fintech innovation and the mentality that they try to take the leadership of mobile payment market process. In this situation, the thorough preparation and a lot of effort are required to promote our autonomous easy-to-use payment growth without dependance on foreign country's. In this paper, the problems of local mobile easy-to-use payment are addressed in depth and the activation measures such as flexible and discriminative security, construction of customer protection system, law system maintenance, service differentiation are proposed.

• Proceedings of the Korea Information Processing Society Conference
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• 2015.10a
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• pp.817-820
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• 2015

본 논문에서는 국내 모바일 간편 결제 서비스 카카오페이(KakaoPay)의 보안취약점을 분석한다. 이를 위해, 본 연구에서는 모바일 간편 결제 서비스 키패드의 터치 좌표값을 추출하는 키로거 앱(key logger application)을 개발하였다. 키로거 앱을 이용해 사용자가 카카오페이 서비스의 비밀번호를 누를 때 비밀번호가 출력되는 화면 좌표값을 알아내고, 확률분석기법을 통해 추출한 화면 좌표값으로 결제용 비밀번호를 유추해냄으로써, 카카오페이 서비스의 보안 취약점을 도출하였다.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2018.05a
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• pp.300-301
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• 2018

Recently, various payment services using mobile terminals are emerging and many users are using this service. This study is an empirical study on the effect of system factors(convenience, reachability, compatibility) of mobile simple payment service on trust, positive affect, mediated by customer perceived risk. A survey was conducted for this study, and a structural equation model was analyzed with PLS. Results showed that convenience, accessibility, and compatibility affect risk, and risk affects trust and positive affect.

• Proceedings of the Korea Contents Association Conference
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• 2016.05a
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• pp.199-200
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• 2016

본 논문에서는 모바일 간편결제 서비스의 수용의도에 영향을 미치는 요인을 살펴보기 위하여 연구모형을 설계하였으며, 중국의 서비스 사용자를 대상으로 설문조사를 실시하여 변수들 간의 인과관계를 실증적으로 분석하였다. 분석 결과, 서비스 특성, 사회적 특성과 개인적 특성이 지각된 용이성과 지각된 유용성에 영향을 미치는 것으로 나타났으며, 지각된 용이성은 지각된 유용성에 영향을 미치는 것으로 나타났다. 또한 지각된 용이성과 지각된 유용성은 수용의도에 영향을 미치는 것으로 나타났다.

• The Journal of the Korea Contents Association
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• v.19 no.9
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• pp.254-261
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• 2019

Electronic payment is a very crucial function in electronic commerce. As electronic commercial transactions develop on a mobile basis, a variety of electronic payment services that can be conveniently used are appearing. In particular, mobile easy payment services improve the user's convenience of payment and give a positive effect on activating online transactions. In this study we investigate empirically the factors influencing the user resistance to mobile easy payment services. Especially, we compares the main acceptance factors of the mobile easy payment services with the main acceptance resistance factors of the services. By doing that, we derive the implications that could contribute to the vitalizations of the mobile easy payment service market. The research model includes "perceived risk" as a main acceptance resistance factor, and "easy of use" and "usefulness" as the main acceptance factors. The relationship among these three factors, "use conflict", and "user resistance" is expressed in the model. We analyze the model by Structural Equation Model. The results proves that all the research hypotheses are adopted except for the impact of "ease of use" on "use conflict", and that users of mobile easy payment services think of "usefulness" more important than "risk".

• Journal of Service Research and Studies
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• v.7 no.2
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• pp.17-41
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• 2017

The purpose of this research is to investigate the factors that impact customer satisfaction and loyalty in mobile payment services. Specifically, this research (1) studies the influence of company reputation on customer satisfaction and loyalty, (2) examines service quality dimensions that increase customer satisfaction, and (3) assesses switching barriers as moderators in influencing customer loyalty. Findings of this empirical research reconfirm the point of view that company reputation, service quality, and switching barriers are crucial for customer satisfaction in mobile payment services. The research methodologies that were used to verify the hypothesis in this study included customized surveys and structural equation modeling. The results demonstrated that company reputation significantly affects customer satisfaction and loyalty. Additionally, the results indicated that only two of the five total service qualities, ease of use and the security/privacy qualities, have positive influences on customer satisfaction. Customer satisfaction has also proven to be a significant influence on loyalty. Lastly, the results showed that among the factors of switching barriers, the factors of lost performance costs, sunk costs, setup costs, the attractiveness of alternatives, and service recovery have moderating effects on the relationships between customer satisfaction and loyalty. Base on the results, this research recommends that firms aim at devising integrated strategies that make switching barriers act as complements to customer satisfaction.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.28 no.4
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• pp.827-838
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• 2018

Since 2014, ease of regulations on financial institutions expanded the mobile payment market based on simple authentication, and this resulted in the emergence of various simple payment services. Although several security solutions have been used to mitigate possible security threats to payment applications, there are vulnerabilities which can still be found due to the structure in which the security solution is applied to the payment service. In this paper, we analyze the payment application and security solution from the process perspective, and prove through experimentation that verification functions of security solutions can be bypassed without detailed analysis of each security function, but by simply manipulating the verification result value. Finally, we propose methods to mitigate the bypass method presented in this paper from three different perspectives, and thereby contribute to the improvement of security level of the payment service.

• Journal of Digital Convergence
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• v.13 no.12
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• pp.75-87
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• 2015

The current study examines whether consumers' perceived usefulness of and trust in the integrated mobile payments services positively influence consumer loyalty to the payments system as well as to the online shopping websites where they have used the payments system. Moreover, the study investigates the effects of individual characteristics and brand awareness of the provider of mobile payments on perceived usefulness and trust. Online survey was administered to consumers ranging in age from 20s to 40s. Data analysis reveals that as consumers' perceived usefulness of and trust in the mobile payments system positively influence consumer loyalty to mobile payments and shopping mall websites. The results of the study suggests that e-commerce's user interface design, particularly the transaction system, should receive greater attention as a basic web element of e-commerce building rather than a set of plug-ins or so.

• Informatization Policy
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• v.28 no.1
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• pp.22-42
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• 2021

The purpose of this study is to investigate the effects of privacy concerns on the use of mobile payment services. In particular, paying attention to the multidimensionality of consumer innovation, we analyzed the effects of hierarchical logistic regression by gender. The results show that there is a positive (+) relationship for hedonic innovativeness regardless of gender, and that there is a negative (-) relationship for functional innovativeness overall and in the female group. In all groups regardless of gender, a positive (+) relationship was found for the hedonic innovativeness, and one negative (-) relationship was found in the functional innovativeness overall group and the female group. Second, in the male group, there is a moderating effect of privacy concerns and functional innovativeness. This suggests that the relationship between privacy concerns and the usage of mobile payment services may vary depending on functional innovativeness. This study is useful in that it can explain and predict consumers' patterns of use of new technology-based services in various and balanced ways by taking privacy concerns and multidimensional consumer innovation into consideration. In addition, it suggests that mobile payment companies should make efforts to ensure that their services are secure, useful, and fun to use so that consumers can feel confident using the services in various situations.

• The Journal of the Korea Contents Association
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• v.17 no.8
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• pp.1-13
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• 2017

In this paper, a research model was designed to investigate the factors influencing the intention to use of mobile easy payment services in China. Our research model includes the service factors(instant connectivity, economic and security), social factors(subjective norms and image), the user's individual factors(self-efficacy personal innovativeness and suitability), perceived ease of use, perceived usefulness and intention to use. A survey was conducted to collect the data with users who have had the actual using experience about mobile easy payment services. In this research, the data were collected by online survey, and in final analysis, 439 users' questionnaires were used. The empirical paper proves research hypothesis by using SPSS 22.0 and AMOS 23.0. The results of the study are as follows: the mobile easy payment service factors, social factors and the user's individual factors partially give positive effects to perceived ease of use and perceived usefulness; perceived ease of use gives positive effects to perceived usefulness. In addition, perceived ease of use and perceived usefulness have positive effects to on intention to use.